| Actual and Required Capital Ratios of Bank |
The following tables present actual and required capital ratios as
of March 31, 2016 and December 31, 2015 for the Company and the
Bank under Basel III Capital Rules. The minimum capital
amounts presented include the minimum required capital levels as of
March 31, 2016 and December 31, 2015 based on the phased-in
provisions of the Basel III Capital Rules and the minimum required
capital levels as of January 1, 2019 when the Basel III Capital
Rules have been fully phased-in. Capital levels required to be
considered well capitalized are based upon prompt corrective action
regulations, as amended to reflect the changes under the Basel III
Capital Rules.
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Minimum Capital |
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Minimum Capital |
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Required to be |
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Required –
Basel III |
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Required –
Basel III |
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Considered Well |
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Actual |
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Phase-in Schedule |
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Fully Phased In |
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Capitalized |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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(dollars in
thousands) |
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As of March 31, 2016:
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Total Capital
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(to Risk Weighted Assets):
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Consolidated
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$ |
480,710 |
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15.13 |
% |
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$ |
254,246 |
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8.00 |
% |
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$ |
333,698 |
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10.50 |
% |
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N/A |
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N/A |
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Tri Counties Bank
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$ |
478,390 |
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15.06 |
% |
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$ |
254,110 |
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8.00 |
% |
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$ |
333,519 |
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10.50 |
% |
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$ |
317,637 |
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10.00 |
% |
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Tier 1 Capital
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(to Risk Weighted Assets):
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Consolidated
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$ |
441,847 |
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13.90 |
% |
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$ |
190,684 |
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6.00 |
% |
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$ |
270,136 |
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8.50 |
% |
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N/A |
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N/A |
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Tri Counties Bank
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$ |
439,527 |
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13.84 |
% |
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$ |
190,582 |
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6.00 |
% |
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$ |
269,992 |
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8.50 |
% |
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$ |
254,110 |
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8.00 |
% |
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Common equity Tier 1 Capital
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(to Risk Weighted Assets):
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Consolidated
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$ |
389,322 |
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12.25 |
% |
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$ |
143,013 |
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4.50 |
% |
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$ |
222,465 |
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7.00 |
% |
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N/A |
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N/A |
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Tri Counties Bank
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$ |
439,527 |
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13.84 |
% |
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$ |
142,937 |
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4.50 |
% |
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$ |
222,346 |
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7.00 |
% |
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$ |
206,464 |
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6.50 |
% |
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Tier 1 Capital (to Average Assets):
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Consolidated
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$ |
441,847 |
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10.68 |
% |
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$ |
165,442 |
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4.00 |
% |
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$ |
165,442 |
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4.00 |
% |
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N/A |
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N/A |
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Tri Counties Bank
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$ |
439,527 |
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10.63 |
% |
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$ |
165,438 |
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4.00 |
% |
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$ |
165,438 |
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4.00 |
% |
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$ |
206,798 |
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5.00 |
% |
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Minimum Capital |
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Minimum Capital |
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Required to be |
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Required –
Basel III |
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Required –
Basel III |
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Considered Well |
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Actual |
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Phase-in Schedule |
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Fully Phased In |
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Capitalized |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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(dollars in
thousands) |
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As of December 31, 2015:
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Total Capital
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(to Risk Weighted Assets):
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Consolidated
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$ |
474,436 |
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15.09 |
% |
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$ |
251,555 |
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8.00 |
% |
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$ |
330,165 |
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10.50 |
% |
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N/A |
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N/A |
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Tri Counties Bank
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$ |
473,327 |
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15.06 |
% |
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$ |
251,418 |
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8.00 |
% |
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$ |
329,985 |
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10.50 |
% |
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$ |
314,272 |
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10.00 |
% |
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Tier 1 Capital
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(to Risk Weighted Assets):
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Consolidated
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$ |
435,950 |
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13.86 |
% |
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$ |
188,666 |
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6.00 |
% |
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$ |
267,277 |
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8.50 |
% |
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N/A |
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N/A |
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Tri Counties Bank
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$ |
434,841 |
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13.84 |
% |
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$ |
188,563 |
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6.00 |
% |
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$ |
267,131 |
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8.50 |
% |
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$ |
251,418 |
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8.00 |
% |
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Common equity Tier 1 Capital
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(to Risk Weighted Assets):
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Consolidated
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$ |
385,747 |
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12.27 |
% |
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$ |
141,499 |
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4.50 |
% |
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$ |
220,110 |
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7.00 |
% |
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N/A |
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N/A |
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Tri Counties Bank
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$ |
434,841 |
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13.84 |
% |
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$ |
141,422 |
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4.50 |
% |
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$ |
219,990 |
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7.00 |
% |
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$ |
204,277 |
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6.50 |
% |
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Tier 1 Capital (to Average Assets):
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Consolidated
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$ |
435,950 |
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10.79 |
% |
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$ |
161,562 |
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4.00 |
% |
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$ |
161,562 |
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4.00 |
% |
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N/A |
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N/A |
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Tri Counties Bank
|
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$ |
434,841 |
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10.76 |
% |
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$ |
161,601 |
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4.00 |
% |
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$ |
161,601 |
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4.00 |
% |
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$ |
202,002 |
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|
5.00 |
% |
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